Q: If i filed a chapter 7 in 2002 and a chapter 13 in 2019 both have been discharged , when can I file another chapter 7
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A:
You can file for Chapter 7 bankruptcy again, but there are specific timing rules that apply. Since you received a discharge from a Chapter 7 in 2002, the law requires you to wait 8 years from the date you filed that case before you can file another Chapter 7. However, because you also filed a Chapter 13 in 2019, there are additional considerations.
The key factor is the timing between the discharge of your previous cases and when you plan to file again. If your Chapter 13 was discharged, and at least 6 years have passed since you filed it, you may be eligible to file for Chapter 7. The exact timing can be complex, so it's essential to review the specifics of your past cases and the dates involved.
Given your situation, it might be helpful to explore all your options before moving forward. Understanding the timing rules can help ensure you're making the best decision for your financial future.
Timothy Denison agrees with this answer
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